Great Southern Bancorp, Inc. (GSBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Great Southern Bancorp reported revenue of $229.3M, up 4.4% from $219.7M the year before. Net income was $71.0M (a 31.0% net margin), or $6.19 per diluted share. Net interest income was $200.2M, and the efficiency ratio (noninterest expense / revenue) was 61.9%. Operating activities generated $81.5M of cash, leaving $70.1M of free cash flow. At fiscal year end, Great Southern Bancorp held $5.60B in total assets against $4.96B in total liabilities, including $189.6M of cash and equivalents.
Open the full interactive Great Southern Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Great Southern Bancorp Key Stats
| Share Price | $76.93 |
|---|---|
| Market Cap | $836.9M |
| P/E Ratio | 12.4 |
| Dividend Yield | 2.25% |
| Revenue YoY Growth | +4.4% |
| 52-Week Range | $54.31 – $81.57 |
| Shares Outstanding | 10.9 million (basic, 2026 Q2) |
Great Southern Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $177.1M | $177.9M | $199.6M | $193.2M | $189.1M | $200.2M |
| Provision for Credit Losses | $15.9M | -$5.8M | $6.2M | -$3.1M | $2.7M | $0 |
| Noninterest Income | $35.0M | $38.3M | $34.1M | $30.1M | $30.6M | $29.1M |
| Noninterest Expense | $123.2M | $127.6M | $133.4M | $141.0M | $141.5M | $141.9M |
| Revenue | $212.2M | $216.2M | $233.8M | $223.3M | $219.7M | $229.3M |
| Pre-Tax Income | $73.1M | $94.4M | $94.2M | $85.3M | $75.5M | $87.3M |
| Income Tax | $13.8M | $19.7M | $18.3M | $17.5M | $13.7M | $16.3M |
| Net Income | $59.3M | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M |
| Diluted EPS | $4.21 | $5.46 | $6.02 | $5.61 | $5.26 | $6.19 |
Great Southern Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $57.8M | $56.4M | $55.4M | $56.9M |
| Net Income | $17.8M | $16.3M | $17.5M | $15.8M |
| Diluted EPS | $1.56 | $1.42 | $1.58 | $1.43 |
Great Southern Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $563.7M | $717.3M | $168.5M | $211.3M | $195.8M | $189.6M |
| Loans (Net) | $4.30B | $4.01B | $4.51B | — | — | — |
| Total Assets | $5.53B | $5.45B | $5.68B | $5.81B | $5.98B | $5.60B |
| Deposits | $4.52B | $4.55B | $4.68B | $4.72B | $4.61B | $4.48B |
| Total Long-Term Debt | $148.4M | $74.0M | $74.3M | $74.7M | $75.0M | $25.9M |
| Total Liabilities | $4.90B | $4.83B | $5.15B | $5.24B | $5.38B | $4.96B |
| Shareholders' Equity | $629.7M | $616.8M | $533.1M | $571.8M | $599.6M | $636.1M |
Great Southern Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $46.0M | $85.0M | $66.6M | $80.7M | $44.1M | $81.5M |
| Cash From Investing | -$131.3M | $190.7M | -$801.3M | -$88.2M | -$175.4M | $367.2M |
| Cash From Financing | $428.9M | -$122.2M | $186.0M | $50.3M | $115.8M | -$454.9M |
| Free Cash Flow | $37.8M | $79.2M | $46.5M | $73.4M | $39.1M | $70.1M |
| Dividends Paid | $33.4M | $18.8M | $19.2M | $19.3M | $18.7M | $18.7M |
Figures from Great Southern Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Great Southern Bancorp financials page for every line item.
Great Southern Bancorp Company Profile
| Ticker | GSBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Springfield, Missouri |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000854560 |
Frequently Asked Questions
What was Great Southern Bancorp's revenue in fiscal 2025?
Great Southern Bancorp (GSBC) reported revenue of $229.3M for fiscal 2025.
What is Great Southern Bancorp's annual revenue history?
Great Southern Bancorp's annual revenue by fiscal year: 2020: $212.2M; 2021: $216.2M; 2022: $233.8M; 2023: $223.3M; 2024: $219.7M; 2025: $229.3M.
What was Great Southern Bancorp's net income in fiscal 2025?
Great Southern Bancorp reported net income of $71.0M for fiscal 2025.
What was Great Southern Bancorp's earnings per share (EPS) in fiscal 2025?
Great Southern Bancorp's diluted EPS was $6.19 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Great Southern Bancorp generate in fiscal 2025?
Great Southern Bancorp generated $70.1M of free cash flow in fiscal 2025.
What was Great Southern Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Great Southern Bancorp reported revenue of $56.9M.
How much debt does Great Southern Bancorp have?
Great Southern Bancorp reported $25.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Great Southern Bancorp are outstanding?
Great Southern Bancorp reported a weighted average of 10.9 million basic shares outstanding in 2026 Q2.
What is Great Southern Bancorp's market cap?
Based on its latest closing price, Great Southern Bancorp (GSBC) has a market capitalization of about $836.9M.
When does Great Southern Bancorp's fiscal year end?
Great Southern Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Great Southern Bancorp headquartered?
Great Southern Bancorp lists its business address in Springfield, Missouri in its SEC filings.